Public adjuster in Tampa, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm serving Tampa and all of Hillsborough County. We represent homeowners, condo owners and business owners, never insurance companies, on hurricane, flood, roof, water and fire claims.
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Why Tampa claims are different
Hurricane Helene sent an estimated five to eight feet of storm surge into Davis Islands in September 2024, and Hillsborough County estimated $1.8 billion in residential damage from that storm alone.
Two weeks later, Hurricane Milton’s rain flooded dozens of homes in South Tampa’s Bayshore Beautiful, an area mapped in flood zone X, where many owners don’t carry flood insurance.
Those storms left Tampa owners with claim problems we see again and again.
- Flooding outside the flood zone
- Homes in zone X often have no flood policy, so whether water damage came from rain entering through a damaged roof or from rising water decides whether the homeowners policy pays. That distinction needs careful documentation.
- Wind vs. flood disputes
- Surge damage generally falls under flood insurance, while wind and wind-driven rain belong to the homeowners policy. We document what each did and review both policies.
- Which storm did it?
- Helene and Milton hit Tampa two weeks apart. Florida applies the hurricane deductible once per calendar year on most homeowners policies, so the second storm usually shouldn’t cost you a second full deductible. We document each loss separately so the split is right.
- Commercial and business interruption claims
- Tampa businesses lost income during closures and repairs. See our guide to business interruption coverage.
How we resolve Tampa claims
Every claim starts with a complete, documented estimate of the damage. From there, we use whichever path gets the claim paid in full.
- Negotiated settlement
- We present the evidence, submit supplements for missed damage and negotiate directly with the carrier. Many claims are resolved here with a signed settlement and release.
- Appraisal
- When the dispute is over the amount of the loss and your policy includes an appraisal clause, each side names an appraiser and an umpire decides any disagreement. Jose Villacis is a WIND- and IAUA-certified appraiser and umpire.
- Mediation
- We prepare the claim and represent you at mediation, where a neutral mediator helps both sides reach a settlement. Mediation is one of the most common ways our claims are resolved.
- Litigation support
- If a carrier still won’t pay what the policy owes, we prepare the complete claim file, including documentation, estimates and claim history, so it’s ready for your attorney before a lawsuit is filed. Attorneys also hire us as insurance loss consultants to prepare estimates and document damages for their cases.
Every claim is different, and the right path depends on your policy and the dispute.
Claims we handle in Tampa
- Hurricane and windstorm
- Flood and storm surge
- Roof leaks and roof damage
- Pipe bursts and water damage
- Mold from a covered peril
- Fire and smoke
- Fallen trees
- Lightning
- Power surges
Areas we serve around Tampa
Tampa, South Tampa, Davis Islands, Bayshore, Westchase, Carrollwood, Town ‘n’ Country, Brandon, Riverview, Apollo Beach and the rest of Hillsborough County. We also handle claims across Pinellas, Pasco and Hernando counties and all of Florida.
Why Tampa property owners choose Aviva
- Hillsborough experience. we handle claims throughout Tampa and Hillsborough County.
- Licensed. Florida Public Adjusting Firm License #W869253. Jose Villacis, President and Principal Adjuster, holds Florida Public Adjuster License #P110421.
- Appraisal and umpire experience. Jose is a WIND- and IAUA-certified appraiser and umpire, which matters when a claim goes to appraisal.
- 18+ years of Florida property claims experience.
- Bilingual. English and Spanish, from the first call to the final settlement.
- No upfront cost. We only get paid if your claim pays, and our fee never exceeds Florida’s legal caps.
Tampa public adjuster FAQ
My home isn’t in a flood zone and has no flood policy. Is water damage covered?
It depends on how the water got in. Rain entering through storm damage to the roof, windows or walls is generally a homeowners claim. Rising surface water is generally flood, which a homeowners policy usually excludes. We document the cause carefully, because it decides coverage.
My home flooded from storm surge. Will my homeowners policy pay?
Usually storm surge falls under a flood policy, not a standard homeowners policy. But most storms cause both wind and water damage, and the wind portion (roof, windows, wind-driven rain) is generally a homeowners claim. We review both policies and document each type of damage separately.
Do you handle commercial claims in Tampa?
Yes. We handle commercial property claims, including building damage, inventory, equipment and business interruption losses.
Talk to a Tampa public adjuster today
Free claim review, no upfront cost. Se habla español.
Aviva Insurance Adjusters, Corp., 7416 Community Ct., Hudson, FL 34667Storm and local facts: WTSP, WUSF and FOX 13 reporting on Hurricanes Helene and Milton in Tampa. Aviva Insurance Adjusters, Corp. is an independent Florida public adjusting firm and is not affiliated with Aviva plc, Aviva Canada or any insurance carrier. FL Public Adjusting Firm Lic.# W869253.